Thanks again, Mr. Chair.
I just want to say one thing before I head into my questions. We were very enthusiastic about this opportunity to talk about the nuts and bolts of the banking system to help us understand in moving forward on this important issue, so I'm a little disappointed that BMO didn't send someone who actually could speak to those issues. You clearly indicated up front that you weren't prepared to address what was the thrust of the subject we're investigating. Hopefully BMO can look to some of the questions that have been asked today in our study and actually respond directly in terms of some of the issues that Mr. Richard isn't able to speak to because it's not his area.